Examine User Adoption of Mobile Payment Using the TAM: A Trust Transfer Perspective

Hong Yan · Pan Kailing

13 citations0/0 files storedJournal of the Association for Information Systems

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Technology Adoption and User Behaviour Privacy, Security, and Data Protection Health, Technology, Consumer Behavior

Abstract

Success in online services cannot promise the success in corresponding mobile services. To understand the mobile service adoption behavior under the context of online service transition, this study, taking mobile payment as an example, from a trust transfer perspective, examines users’ acceptance of mobile payment using the TAM (Technology acceptance model). A field survey with 220 mobile payment student users is conducted to test the research model and hypotheses. The key findings include: trust of online payment and structural assurance play the crucial role in the initial trust of mobile payments; perceived ease of use and perceived usefulness positively influent trust in mobile payment. Limitations, theoretical and practical implications are also discussed.

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References

1988Structural equation modeling in practice: A review and recommended two-step approach.1975Belief, Attitude, Intention and Behavior: An Introduction to Theory and Research 1995An Integrative Model Of Organizational Trust 2007A trust-based consumer decision-making model in electronic commerce: The role of trust, perceived risk, and their antecedents 1998Initial Trust Formation in New Organizational Relationships 2004Validation Guidelines for IS Positivist Research 2004Building Effective Online Marketplaces with Institution-Based Trust 2001What Trust Means in E-Commerce Customer Relationships: An Interdisciplinary Conceptual Typology

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2022The Use of the Technology Acceptance Model to analyse the Cloud-Based Payment Systems: A Comprehensive Review of the Literature 2025Exploring the role of mobile payment adoption in China: An empirical analysis of Alipay and WeChat Pay 2020INVESTIGATING THE CRITICAL DETERMINANTS OF TRUST AND THEIR IMPACT ON MOBILE PAYMENT ADOPTION

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